Get multiple home insurance quotes in 28315. Our licensed 28315, NC agents are ready to serve you.

28315 Home Insurance Rates & Premiums

Did you know there are over 13,500 people living within the 28315 zip code area? There are over 5,595 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 28315.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-866-918-3404, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in North Carolina are on the rise. The estimated average premium is around $860 a year for a standard homeowners insurance policy in Aberdeen. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Aberdeen, NC Homeowners Insurance Quotes Online

28315 Home Insurance Average Premiums

Local 28315 homeowners insurance quotes comparison

$610 /yr.

Shows Zip Code: 28315 lowest rates with discounts applied on average.

For the 28315, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$610 /yr.
Average Coverage:$860 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1160 /yr.

What is the average home insurance cost for a home in 28315?

  • • The average homeowners insurance premium paid annually for a home in 28315 is around $860 per year.

What does it cost on average per month for home insurance in 28315?

  • • Homeowners in 28315 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 28315?

  • • Autoowners in 28315 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Aberdeen area, check out other zip codes nearby 28315.
Review average rates in another zip code:
28315 homeowners insurance rates

Home Replacement Cost Coverage in 28315

Average Building Cost Per Square Foot in 28315: $135

Location: Aberdeen, North Carolina (Moore County)

Average Square Footage in 28315: 1,433 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 28315 before you start any project. Aberdeen homeowners pay on average around $135 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 28315 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 28315 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,433 sq. ft. and the average cost to rebuild the home in this area is around $135 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Aberdeen area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1351,433$193,500
Additional Upgrades & Added Features$1691,433$241,875
Major Home Updates or Advancements$2031,433$290,250

It's important to understand that when you estimate your replacement cost of your home in the 28315 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 28315

Allstate Insurance - Clyde David Shepley

Address: 11190 Cole Plaza Hwy 15/501 Aberdeen, NC 28315
Phone: (910)944-1446
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=16827

Clayton Burns Ins Service

Address: PO Box 687 Aberdeen, NC 28315
Phone: (910)944-3006
Website:

First Pioneer Insurance Agency Inc

Address: Pioneer Building Aberdeen, NC 28315
Phone: (910)944-2848
Website: www.pioneerinsurance.com

Best Home & Auto Insurance Agencies in 28315

Bb&t Insurance Services

Address: 604 Magnolia Dr Aberdeen, NC 28315
Phone:
Website:
Info:

Texas Farm Bureau Insurance

Address: 205 Knight St Aberdeen, NC 28315
Phone:
Website: http://www.farmbureauinsurance-mi.com/
Info:

Auto Insurance Agency

Address: 409 Johnson St Aberdeen, NC 28315
Phone:
Website:
Info:

Clayton Burns Ins Service

Address: PO Box 687 Aberdeen, NC 28315
Phone:
Website:
Info:

Allstate Insurance - Clyde David Shepley

Address: 11190 Us 15 501 Hwy Aberdeen, NC 28315
Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=16827
Info:

Housing Demographics for 28315

Population Review for 28315 Zip Code

For the city of Aberdeen, the population within 28315 has increased to over 15,601 residents in population size. The current population total is 13,500. We have broken down the population based on race below. In 28315, there are over 6476 in male population and 7024 females.

PopulationValues
Total Population13,500
White Population8528
Black Population2737
Hispanic Population1130
Asian Population212
Hawaiian Population13
Indian Population325
Other Population532
Male Population6476
Female Population7024
Population Estimate15601

Household Data for 28315

The average number of homes in 28315 is around 5,595, there are an average of 2.39 per household. The average house value according to local real estate values is around $193,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,595
Persons Per Household2.39
Average House Value$193,500
Income Per Household$57066
Median Age37.0
Median Age Male35.3
Median Age Female39.1
28315 DetailsValues
StateNC
State Full NameNorth Carolina
City TypeP
City Alias Abbreviation
Area Code910
CityAberdeen
City Alias NameABERDEEN
CountyMoore
County FIPS125
State FIPS37
Time Zone5
Day Light SavingY
MSA
PMSA
CSA246
CBSA38240
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePinehurst-Southern Pines, NC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses392
Number Of Employees6551
Business First Quarter Payroll65935
Business Annual Payroll279343
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District09
Congressional LandArea856.93
Delivery Residential6528
Delivery Business553
Delivery Total10459
Preferred Last Line KeyY14675
Classification Code
Multi-CountyY
CSA NameFayetteville-Lumberton-Pinehurst, NC
CBSA_DIV_Name
City State KeyY14675
Land Area64.980000
Water Area0.326000
City Alias Code
City Mixed CaseAberdeen
City Alias Mixed CaseAberdeen
Box Count340
SFDU5007
MFDU717
State ANSI37
County ANSI125
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number360024
Unique ZIP Name
SSA State County Code34620
Medicare CBSA Code99934
Medicare CBSA NameRural Areas in NC
Medicare CBSA TypeMicro
Market Rating Area ID8
County Mixed CaseMoore

North Carolina Homeowners Insurance News & Information

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

    During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]

  • North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024

    Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Nationwide Insurance Company Will Not Be Renewing policies for Homeowners in North Carolina Posted on Monday 9th October, 2023

    Nationwide insurance company recently informed the North Carolina Department of Insurance (NCDOI) that it will not be renewing homeowner policies for 10,525 homeowners in North Carolina. Over 1,000 of those non-renewals are in the Dare County, NC. The NCDOI claims that more the half of the non-renewals are based on the “hurricane hazard assessment tool,” […]